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* Payday Today is not a payday lender or broker. We provide research and information about payday lenders and products, and are not necessarily affiliated with the companies featured on this site. Availability of products and services varies by state. Not all independent lenders will approve you for a loan or can provide you with up to $1,000 on your first loan. [link widoczny dla zalogowanych] Extend (where available); pay Interest Only â your end of loan action is set to extend, an extension was requested via our website, phone, email, or online chat. An extension is a new loan. Regular loan fees apply to loan extensions. Please note that extensions may not be available or the number of extensions could be limited due to the state law, CFSA rules or lender policy. Please contact customer service for details.
Another state loan that requires a cosigner is the Dakota Education Alternative Loan (DEAL). If you are studying in North Dakota, South Dakota, Minnesota, Wyoming, Montana or Wisconsin, and all your federal funding options are exhausted, this loan program allows you to borrow up to $50,000 for school expenses. [link widoczny dla zalogowanych] A loan that is offered by phone. It is illegal for companies doing business by phone in the U.S. to promise you a loan or credit card and ask you to pay for it before they deliver. A lender who uses a copy-cat or wanna-be name. Crooks give their companies names that sound like well-known or respected organizations and create websites that look professional. Some scam artists have pretended to be the Better Business Bureau, a major bank, or another reputable organization; some even produce forged paperwork or pay people to pretend to be references. Always get a companyâs phone number from the phone book or directory assistance, and call to check they are who they say they are. Get a physical address, too: a company that advertises a PO Box as its address is one to check out with the appropriate authorities. A lender who is not registered in your state. Lenders and loan brokers are required to register in the states where they do business. To check registration, call your state Attorney Generalâs office or your stateâs Department of Banking or Financial Regulation. Checking registration does not guarantee that you will be happy with a lender, but it helps weed out the crooks. A lender who asks you to wire money or pay an individual. Donât make a payment for a loan or credit card directly to an individual; legitimate lenders donât ask anyone to do that. In addition, donât use a wire transfer service or send money orders for a loan. You have little recourse if thereâs a problem with a wire transaction, and legitimate lenders donât pressure their customers to wire money. Be no less than 18 years old

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